PERQS
Learning Center

All Articles

Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Need-Based vs. Merit-Based Aid: What You Need to Know

Need-based financial aid helps students pay for college based on their family’s financial situation. This type of aid includes federal, stat...

Article 5 min
Read

New Job, Better Money: A Step-by-Step Guide to Total Compensation

Thinking about switching jobs? To make the smartest financial move, compare the full value of what you have now with what’s on the table: sa...

Article 5 min
Read

No Car Insurance? Here’s How It Can Cost You

Driving without insurance can have serious consequences, including fines, loss of driving privileges, and potential lawsuits if you cause an...

Article 5 min
Read

No Credit? Here’s How to Qualify for a Credit Card

Building credit from scratch can feel intimidating, but it’s entirely possible to get an unsecured credit card even if you don’t yet have a...

Article 5 min
Read

Nontraditional Approaches to Credit Building

Credit cards can help build credit history and simplify purchases, but they also pose risks such as accumulating debt. While 17% of U.S. adu...

Article 5 min
Read

No Savings for College? Here's What You Can Do

If you’re facing college costs with little or no savings, you’re not alone — and you're not out of options. From borrowing federal student l...

Article 5 min
Read

Not Required, Still Essential: Why Every LLC Needs an Operating Agreement

An LLC operating agreement is a foundational contract that defines how a limited liability company is owned, managed, and governed. While mo...

Article 5 min
Read

Now That You’re Debt-Free: How to Keep Your Finances Strong

Congratulations on paying off your credit card debt! After all your hard work, you may be wondering what comes next. While cutting up your c...

Article 5 min
Read

Oil Stocks vs. Funds: Where to Begin Your Energy Portfolio

Investing in oil doesn’t require a fortune or proximity to oil fields. With oil stocks, mutual funds, and futures contracts, investors can g...

Article 5 min
Read